State Central Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.10 percentage points lower than in Q1 2026, at 179.05%. Within Iowa, State Central Bank is 83rd of 225 on return on assets, 1.55% as of Q2 2026. State Central Bank's return on assets of 1.55% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 0.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.11% |
| Equity capital to assets | 16.88% |
| Tangible equity to tangible assets | 16.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.08% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | -0.10% |
| Texas ratio | 3.60% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | 179.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 9.17% |
| Net interest margin | 5.06% |
| Efficiency ratio | 72.38% |
| Yield on earning assets | 6.79% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.14% |
| Core deposits to total deposits | 98.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.00% |
| Securities to assets | 27.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.95% | 0.16% | 3.37% | 22.29% | -2.25% |
| Q4 2023 | 11.08% | 2.00% | 5.09% | 19.75% | -1.98% |
| Q1 2024 | 11.26% | 0.75% | 3.83% | 14.32% | -0.38% |
| Q2 2024 | 10.87% | -0.35% | 4.09% | 12.45% | -0.58% |
| Q3 2024 | 11.92% | 0.21% | 4.30% | 10.37% | -0.06% |
| Q4 2024 | 15.21% | 16.08% | 16.26% | 5.99% | -2.55% |
| Q1 2025 | 13.95% | 1.18% | 4.94% | 5.26% | 0.47% |
| Q2 2025 | 14.37% | 2.18% | 5.53% | 2.64% | 0.37% |
| Q3 2025 | 16.59% | 7.63% | 11.68% | 2.05% | 0.26% |
| Q4 2025 | 15.54% | 0.81% | 4.95% | 1.22% | 0.57% |
| Q1 2026 | 16.10% | 1.60% | 4.93% | 1.09% | 0.14% |
| Q2 2026 | 16.11% | 1.55% | 5.06% | 1.08% | -0.10% |
State Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Central Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5820) · FFIEC NIC profile (RSSD 808345)